A storm damage insurance claim can be evaluated by a homeowners insurance adjuster who will then look over all the damage. GeoWell will be happy to answer any questions to help you with the insurance claims process and can also help you put the necessary information together regarding your claim to get approved so we can get to work and you can have the expenses covered.
They will consider your home insurance policy and figure out how much the company will pay. You must work with the adjuster to gather all the evidence they need. They will ask you questions about how the damage occurred, the condition of your home before the accident, and other pertinent questions. Be sure to answer their questions as honestly as you can, but don’t offer any information that could potentially hurt your claim. You should also ensure that you are present for any home inspections. If the insurance company offers you a settlement that you believe to be unfair, don’t be pressured into accepting it. Determine your other options like working with a lawyer or other third-party service.
When you have your home damaged from a severe storm your first reaction will most likely be how to recover from damages like leaks, broken glass and the general clean-up. After this you will want to get an insurance claim started so that you can get a settle which will cover the expenses of the repairs.
Some Basic Tips:
Here is a 7-step guide you can reference thanks to the National Storm Damage Center.
Remember that when filing your insurance claim you are protected as most states prohibit companies from cancelling policies for filing claims in an Act of God storm damage scenario. In most states you cannot have your rates increased either as a result of these kinds of damages. You should make sure and work with a professional restoration company like GeoWell to build a strong case for your claim to not be denied.
Step 1: Assess the damage – You will need to record the damages from the ground up, taking pictures of everything before you clean up anything.
Step 2: Contact Several Contractors – Contact GeoWell and we will give you an honest quote and help with the process but it is also recommended to get other quotes as well which will be used as further evidence of the extent of the damages and repair costs.
Step 3: Read Your Insurance Policy – You may not have done this already but now is the best time to read up on your insurance coverage so you can know whats covered and how to claim it.
Step 4: Request an Insurance Adjuster – It is recommended that you have an insurance adjuster inspect the damages as well.
Step 5: If You Are Denied, Don’t Worry – You are entitled to meet with three insurance claim adjusters. If one denies you, chances are another will approve you if the damages are severe enough and covered by your plan.
Step 6: Once You Are Approved – The first payment should cover the materials deposit for the repairs. Have your restoration contractor handle this for you.
Step 7: Let The Contractor Get To Work – This is the point that we will write out the bid and start working on restoring your home. No additional payments are expected until the repairs are completed.
Well that pretty much covers the storm damage insurance claim process and how we can help. We can also help you with your water, fire, smoke and mold damage insurance claims.
Contact GeoWell, we are professionally licensed and insured and possess preferred contracting certified General Contracting and Home Inspection Licensing by State of Florida as well as restoration certifications like the IICRC Water Damage Restoration Technician (WRT), IICRC Applied Structural Drying Technician (ASD) and IICRC Fire & Smoke Restoration Technician (FSRT).